Motorcycle Insurance Chico (CA)

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Chico resident looking to insure a bike or decrease your premiums? Here at BikeBound, we make it easy to spend less on motorcycle insurance, whether you are presently covered or not. Enter your zip code, and our website finds the best motorcycle insurers in Chico, and helps you locate a representative of the carrier you prefer and compare quotes. The service is fast, easy, and totally free.

Minimum Motorcycle Insurance: Chico

California has put in place minimum liability limits for motorcycle owners. Liability insurance protects you for covered losses up to your liability limit if you injure another person, or damage someone’s property, in a car or other accident. Your liability insurance must satisfy or exceed certain minimum caps for bodily injuries to others and damages to others’ property.

  • For Injury to a Single Individual: $15,000
  • For Injuries to All Parties: $30,000
  • For Property Damage: $5,000

Sure, if you are just looking for the most affordable motorcycle insurance in Chico, just insuring yourself up to these levels will have the desired effect. However, bear in mind: liability insurance only protects you against losses for which you are liable. What if you are struck by a motorist who is uninsured? For this, you need Uninsured Motorist (UM/UIM) coverage. In order to protect your motorcycle itself, you should have a comprehensive or full coverage motorcycle insurance policy.

Minimizing Your Rates

Insurance premiums can be very high, particularly when you own a sportbike or cruiser. We know several ways to decrease your rates.

  • Go through a Motorcycle Safety Foundation. This is generally good for a 10-20% discount.
  • Avoid traffic violations. Control that throttle hand as citations raise your rates drastically.
  • Get a lay-up policy. This will suspend coverage during the cold months of winter, saving you a ton.
  • Ride a low-premium bike. Generally, vintage bikes, cruisers, and dual-sports are cheapest to insure.

Chico Motorcycle Insurance Quotes

Are you wondering how much insuring your bike is likely to cost? That will be determined by several important factors. Many riders focus on the type of bike they ride and their number of past tickets, but factors such as location, coverage options and limits, and special discounts all help determine the cost of insurance. Fortunately, we enable you to compare rates and policies from a range of respected companies.

All you have to do is type in your zip code to begin. You’ll be able to start looking at rates and policies from the insurance companies you have chosen.

Insuring Bobbers, Choppers, and Cafe Racers

Chico has a relatively strong custom bike scene. If you have done considerable custom work on your machine, you should think about Custom Parts and Equipment (CPE) coverage. Ordinarily, this is bikes which have at least a grand in custom parts or work.

Without coverage, the replacement of hand-made or aftermarket parts won’t be covered in the event of an accident. Nope, you will only be paid out on the value of your stock bike.

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